Mumbai, Maharashtra, India
I am currently pursuing a Post Graduate Diploma in Management in Finance, from S. P. Jain Institute of Management and Research, Mumbai. I have previously worked as a Research Associate at Dvara Research, a financial inclusion research organization housed under Dvara Trust. I worked here for 23 months, working on projects relating to social protection and household finance, performing theoretical and evidence-based analysis on the interactions of low-income households with financial systems. I was also responsible for managing and maintaining the data resources of the organisation. I completed my Bachelors degree from New York University Abu Dhabi in Economics. Along with my Economics coursework, I have earned credits from courses taken in Music, Literature, Design, and Computer Science. I also served as President of the A2 Residential Block Hall Council for a period of 1 year. I am a music nut who enjoys reading in armchairs, as well as most kinds of sport, fantasy or otherwise. I enjoy data cleaning and believe that nothing really relaxes you like dealing with a massive data dump after a long day.
• Performed an asset quality analysis of Vehicle Finance portfolios for Mahindra Finance and other NBFCs • Benchmarked Mahindra Finance with other NBFCs on the basis of their Commercial Vehicle lending portfolios, across 660+ districts and 1000+ branches | Identified areas of abnormal credit losses • Recommended changes in district-level operational strategy on the basis of a decision tree analysis
• Co-authored a review paper “Household Finance in India: Approaches and Challenges” to collect and classify the existing literature in the field, and to assist researchers as the first port of call for Household Finance • Explored asset portfolios of low-income households over 20 years to identify banking service potential • Used statistical methods to determine a predictive model to detect the effects of transactional and demographic details on financial investment take-up using the CMIE Consumer Pyramid dataset • Accumulation and curation of publicly available household finance data used for internal research purposes • Managed periodic updates to the data tools and resources used by Dvara Research for data-based research • Developed an indebtedness framework to classify households based on their debt-servicing capacity ratios • Assisted IIT-M researchers in operationalising the above framework through a ML-based predictive model
• Mapped out the landscape of government schemes and their potential use cases for Tuberculosis patients • Analysed the ability for households to take up a paid insurance products, given disposable income levels • Put together a report with our findings and proposals for future solutions